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THE SOURCE CREDIT CARD

The Source credit card offers great financing solutions and flexible payment options, so you can get the tech you want, when you want it. Enjoy benefits like:

  • No interest, no payments and no admin fees on 90-day financing
  • No annual fee
  • Defer payments for up to 15 months with no interest*
  • Make payments on the principal at any time without penalty
  • Easily manage your account online
 

ALL FINANCING OPTIONS

Financing options available (excluding residents of Quebec)

DEFERRED PAYMENT FINANCING (DPF)*
Interest rate of 21.9% calculated from the due date of the plan
Grace Period
(months)
Minimum Purchase
(before applicable taxes)
Administration Fee
3
$99
$0
6
$299
$39.99
12
$299
$69.99
15
$299
$84.99
EQUAL INSTALMENT PAYMENT FINANCING (EPF)***
Without interest for the customer
Term
(months)
Minimum Purchase
(before applicable taxes)
Administration Fee
12
$299
$69.99
18
$299
$99.99
24
$299
$99.99
EQUAL INSTALMENT PAYMENT FINANCING (EPF)***
With interest for the customer
Term
(months)
Minimum Purchase
(before applicable taxes)
Interest Rate
12
$299
8.9%
18
$299
8.9%
24
$299
8.9%
Financing options available for residents of Quebec
QUEBEC - DEFERRED PAYMENT FINANCING (DPF)*
Interest rate of 21.9% calculated from the due date of the plan
Grace Period
(months)
Minimum Purchase
(before applicable taxes)
Administration Fee
3
$99
$0
6
$299
$0
12
$299
$0
QUEBEC - EQUAL INSTALMENT PAYMENT FINANCING (EPF)***
With interest for the customer
Term
(months)
Minimum Purchase
(before applicable taxes)
Interest Rate
12
$299
8.9%
18
$299
8.9%
24
$299
8.9%
QUEBEC - SPECIAL HOLIDAY FINANCING^^
After the grace period of 3 months, an interest rate of 8.9% is calculated from the posting date.
Grace Period
(months)
Term - Equal Payment
(months)
Minimum Purchase
(before applicable taxes)
3
12
$299
The following items cannot be financed: The Source Gift Cards, all prepaid cards (iTunes, Xbox, etc.), prepaid airtime cards, gaming consoles, gaming software, all Apple products, Kinect accessories, mobile phone plans and security deposits.
^OAC, on a 15-month deferred payment plan. Minimum purchase of $299 before taxes. Conditions/Exclusions apply. Up-front administration fees may apply. Subject to Fédération des caisses Desjardins du Québec (“the Federation”) approval. See deferred payments* for details.
^^OAC, on a deferred payment plan. Minimum purchase of $299 before taxes. Conditions/Exclusions apply. Up-front administration fees may apply. Subject to Fédération des caisses Desjardins du Québec (“the Federation”) approval. See deferred payments* for details.
*Subject to Fédération des caisses Desjardins du Québec (“the Federation”) approval. Certain conditions apply. The deferred payment, no payments or interest for 12 months offer allows the customer to use a credit card issued by the Federation (“the Card”) to pay for a deferred payment purchase, without incurring interest during the period set at the time of purchase. If this purchase is not paid in full by the due date, an annual interest rate of 21.9% applies and it is converted into equal and consecutive payments due in 12 monthly instalments if the converted balance is less than $1,000; 24 monthly instalments if the converted balance is equal to or greater than $1,000 and less than $3,000; or in 36 monthly instalments if the converted balance is equal to or greater than $3,000. Annual interest rate on the card of not more than 19.9%. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period; regular purchases, cash advances and cheques during the statement period and credit charges on cash advances and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. See in-store or online @ thesource.ca/card for details. Information effective November 7, 2014. **All annual interest rates indicated are subject to change. ***Subject to Fédération des caisses Desjardins du Québec approval. All annual interest rates indicated are subject to change. The “Equal Monthly Payments” offer allows the customer to use a credit card issued by the Federation (“the Card”) to pay for purchases through equal and consecutive monthly instalments. The annual interest rate of not more than 19.9% set at the time of purchase applies to such purchases. Equal monthly payments are included in the minimum payment due on the credit card. If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the card applies to the unpaid equal monthly instalment. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges. Minimum card payment is 5% of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period and regular purchases. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Information effective November 7, 2014.Note:Financed amount includes the administration fee and taxes, where applicable. View further details or cardholder agreement here (Quebec Cardholder agreement here ).
TABLE OF EXAMPLES OF CREDIT CHARGES
Average Daily Balance
Annual Interest Rate
Cost for 30 day Billing Cycle
$100
$500
Annual Cost
$100
$500
Regular Interest Rate
19.90%
$1.64
$8.18
$19.90
$99.50
Equal Instalments Financing
19.90%
$1.64
$8.18
$19.90
$99.50
Deferred Payment Financing
21.90%
$1.80
$9.00
$21.90
$109.50